American Fork Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, you can be overwhelmed by the large number of car insurance companies offering insurance in American Fork.

Car Insurance Comparison Rates in American Fork, UT

Performing a rate comparison can take time and effort if you don't know the fastest way to get free quotes. You could spend your day talking to local insurance agents in American Fork, or you can utilize the internet to achieve your goal.

All the larger companies take part in a program that enables customers to submit their information once, and each company provides a quote based on that information. This system prevents you from having to do form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you don't know exactly which companies to get quotes from. So if you prefer to choose from a list of companies to receive pricing from, we put together a list of low cost car insurance companies in Utah. Click here to view list.

It's up to you how you get prices quotes, just be sure to compare identical coverage limits on every quote you get. If the quotes have differing limits it will be impossible to determine which rate is truly the best in American Fork.

Why some people pay less for insurance in American Fork

It's important that you understand the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Drive a safer car and pay less - Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
Bad driving skills means higher rates - Good drivers receive lower rates than their less careful counterparts. Only having one moving violation can increase rates twenty percent or more. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
Do you need those extra coverages? - There are quite a few additional coverages that can waste your money when buying car insurance. Coverages for personal injury protection, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don't need them eliminate them to save money.
Discounts for married couples - Having a spouse helps lower the price on your car insurance policy. Having a significant other is viewed as being more responsible and it's statistically proven that married couples file fewer claims.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Some discounts apply automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If you're not getting every credit you qualify for, you're just leaving money on the table.

Military Rewards - Having a family member in the military could be rewarded with lower premiums.
Air Bag Discount - Cars that have air bags or motorized seat belts may earn rate discounts of 20% or more.
Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.
Paperwork-free - A few companies may give you up to $50 for buying your policy over the internet.
Distant Student - Any of your kids who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
Braking Control Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

For a list of insurance companies with discount car insurance rates in Utah, click this link.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you may require specific advice.

Do I have coverage when using my vehicle for my home business?
Can I rate high risk drivers on liability-only vehicles?
Is my vehicle covered for flood damage?
Does medical payments coverage apply to all occupants?
What are Utah no-fault laws?
Does my insurance cover a custom paint job?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and can provide invaluable advice.

Additional information can be found on the Utah Insurance Department website through this link. Visitors are able to find disaster information, file complaints about a company, and discover disciplinary actions.

In the end, you save

Insureds leave their current company for many reasons like unfair underwriting practices, poor customer service, delays in responding to claim requests and an unsatisfactory settlement offer. Regardless of your reason, finding the right car insurance provider is not as hard as you think.

We just presented some good ideas how to lower your car insurance rates. It's most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the biggest savings come from an unexpected company.

Cheap car insurance is attainable both online and with local American Fork insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.